single trip travel insurance for over 70s

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Best Travel Insurance for Seniors in July 2024

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Traveling at any age can be a stress-inducing event, especially when you’re leaving the country. For that reason, many travelers opt to purchase travel insurance before they go.

Depending on your age, you may want to consider different types of coverage, whether that’s one oriented to emergency medical care or one refunding you in the event your plans change.

To make sure you’re covered, we’ve compiled a list of the best travel insurance for seniors. Here’s which companies made the cut:

Trawick International . 

Nationwide .

Travel Insured International .

Factors we considered when picking a travel insurance policy

Choosing the right travel insurance plan can be overwhelming, especially when there are so many options. To whittle down the choices for top dog, we took a few factors into consideration:

Available policy types . Depending on the type of plan you’re interested in, not all insurance companies may work for you. Some won’t offer emergency medical coverage, while others provide only a fixed amount of reimbursement. 

Policy coverage limit . Are you interested in comprehensive coverage or the bare minimum? If you’re heading out on a longer trip, a higher maximum may be more prudent. 

Exclusions . Many travel insurance companies will exclude pre-existing conditions as well as coverage for risky activities. 

Cost . With a huge range in costs, we focused on plans that provided value for money. 

Website usability . Nothing is more frustrating than trying to make a claim through a clunky website, which is why we’ve included this. 

Customization . Cancel For Any Reason, rental car, accidental death and dismemberment (AD&D), sports coverage, rented electronics coverage — the more customizations a plan offers, the better. 

Of course, the most important thing is that you find a plan that suits your needs. If you’re not planning on taking a cruise, then choosing a plan with cruise coverage makes no sense.

What to know before you shop

No matter your age, you’ll want to make sure you compare a variety of plans before purchase. However, as an older adult, this advice is more pertinent than ever. As you’ll see below, coverage levels and costs can vary hugely between insurance companies.

Policy premiums can vary widely based on the length of coverage and your age. If you frequently travel, buying an annual policy instead of policies for each trip may make more sense. Additionally, your premiums may be much different as a new retiree at 65 compared with someone in their 70s or 80s.

A simple way to compare multiple quotes at once is through a travel insurance aggregator, such as Squaremouth. This website allows you to type in your details just once, then spits out plan options from multiple businesses so you can peruse them easily.

You may be able to save money on your travel insurance policy by taking advantage of credit card benefits. For example, many travel cards include trip cancellation, delay and interruption benefits, luggage protection and rental car coverage at no additional charge when using the card to book flights and rent cars.

» Learn more: How to find the best travel insurance

An overview of the best travel insurance for older adults

To find the best travel insurance for seniors, we generated quotes from a variety of companies. Our sample trip consisted of a 65-year-old from California heading to Spain for 10 days in August 2024. The total trip cost was $8,000.

Among our top companies, the average cost for a plan cost $389. However, that number is skewed slightly by Travelex Insurance Services, whose Travel Med program offers medical protection but is otherwise limited.

Here is the basic coverage cost, broken down by provider.

There are various coverage options and price points when comparing travel insurance policies for older adults. While the lowest-priced options in the chart are the most affordable, their policies offer different levels of coverage.

Comparing these coverage limits and exclusions when selecting a policy is important so you are satisfied when making a claim.

Top travel insurance options for older adults

Let's look at our six travel insurance policy recommendations for older adults.

1. Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

What makes Travelex great:

Plan is much cheaper than average.

Offers emergency medical insurance. 

Medical coverage is primary. 

Here’s a snippet from our Travelex review :

“Travelex’s primary goal is to provide travel insurance protection that’s personalized to the type of trip you’re taking and the style of traveler you are. And regardless of which plan you choose, you’ll always have 24/7 access to travel assistance.”

Since Medicare doesn't cover healthcare needs when traveling outside the United States, some travelers purchase healthcare-only policies such as this one from Travelex. However, keep in mind that its Travel Med plan doesn’t include trip cancellation insurance , and its policy limits are fixed rather than a percentage of what you’ve paid. This means you’ll get up to $1,000 for trip interruption and a maximum of $10,000 in emergency medical.

If you want insurance for things like baggage delay, you'll need to purchase a different plan.

» Learn more: Is Cancel For Any Reason travel insurance worth it?

• Annual or single-trip policies are available.
• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

What makes IMG great:

100% reimbursement for trip cancellation.

125% reimbursement for trip interruption.

Lower-than-average cost.

Here’s a snippet from our IMG review :

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

“More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

Be aware that IMG’s iTravelInsured Travel Essential plan, which we looked at, doesn’t include any emergency medical coverage , so you’ll want to make sure you’re protected elsewhere.

3. Trawick International

• Many different plan options.
• CFAR available as an add on.
• Specialty coverage for adventure sports (SafeTreker Basic).
• Reports of long resolution processes.
• Low customer service rating on SquareMouth.

What makes Trawick great:

Primary medical coverage.

High limit for medical evacuation .

Pre-existing conditions covered.

Here’s a snippet from our Trawick review :

“Trawick International has been in business for about 25 years and is a legitimate travel insurance provider. Trawick International reviews on Trustpilot and Squaremouth are generally good, with scores around 4.5/5 and 4.15/5, respectively.”

For those who aren’t familiar with these terms, primary coverage means this entity is the first one to pay out; secondary means the insurance will only cover costs not already paid for by other policies.

At the lower end of costs for our quote — though still above average — Trawick still provides a hefty $50,000 in primary medical coverage with its Safe Travels Defend plan.

• Lowest-cost plan includes some medical coverage.
• Pre-existing conditions waiver add-on available for higher-cost plans.
• No add ons are available for Silver-level policyholders.
• CFAR upgrade is only available for highest-cost plan.

What makes AXA great:

$100,000 emergency medical limit.

Here’s a snippet from our AXA insurance review :

“The Gold and Platinum levels are also the two plans that offer Schengen zone coverage and a collision damage waiver . The Platinum plan is the only one that offers a Cancel For Any Reason add-on, so keep that in mind if you need more protection.”

With $100,000 in primary medical coverage and the inclusion of pre-existing conditions , those who have ongoing health issues may want to opt for AXA Gold’s comprehensive coverage.

5. Nationwide

What makes Nationwide great:

Reimburses cruise excursion changes.

150% reimbursement for trip interruption. 

Eligible sports and other activities covered. 

Here’s a snippet from our Nationwide review :

“Are you looking for strong coverage over a wide range of incidents? Nationwide could be a good travel insurance option for you, but only if you’re willing to shell out for its more expensive policy.”

Nationwide’s Cruise Choice plan includes comprehensive coverage for all your trip needs. However, it’s at its best for those who plan to cruise, since it offers unique insurance should problems arise. This even includes a payment for you if you’re inconvenienced by a ship breakdown.

» Learn more: Is cruise travel insurance worth the cost?

6. Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

What makes Travel Insured International great:

Multiple customizations available.

Offers a Cancel for Work Reasons upgrade option.

Rental car insurance is included in the quote, but is generally sold as an upgrade. 

Here’s a snippet from our Travel Insured review :

“Plan benefits offered by Travel Insured International include trip cancellation or interruption, mileage or rewards reimbursement, Interrupt For Any Reason, travel delay, missed connection, change fee coverage, itinerary change, accident & sickness medical expense, baggage delay, rental car damage and more. Each plan is different and has the option for add-ons.”

Travel Insured International’s Worldwide Trip Protector Edge plan offers a great deal of flexibility. Along with full-scale trip protections and medical coverage, you can also choose to double your policy limit for medical care or add on Accidental Death and Dismemberment coverage for your flight.

Check your card for existing travel insurance

Many travel rewards cards, such as the Chase Sapphire Reserve® and The Platinum Card® from American Express , offer some kind of trip protection, see more on their benefits in the comparison module below. Terms apply.

Having one of these in your wallet is a good start to protecting your trip-related investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

» Learn more: The best travel credit cards right now

Best travel insurance for older adults recapped

We’ve done the work for you to figure out the best travel insurance for seniors, whether you’re looking to hop on a cruise or want comprehensive coverage for the trip you’re about to take.

American Express travel insurance disclosures

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market.  See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our  credit card rating methodology .

The Best Travel Insurance Options for Seniors [Ages 65, 70, and Over 80]

Christine Krzyszton

Senior Finance Contributor

326 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Keri Stooksbury

Editor-in-Chief

43 Published Articles 3382 Edited Articles

Countries Visited: 50 U.S. States Visited: 28

Table of Contents

Why purchase travel insurance, what you need to know about age and travel insurance, best travel insurance options — ages 65 to 69, best travel insurance options — ages 70 to 79, best travel insurance options — age 80 and above, credit card travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Our senior years can be some of the most exciting years of our lives. If we’re fortunate, we’ll now have the time, and hopefully, the resources, to make our travel dreams come true.

As we age, however, traveling may pose some additional risks. We may be more likely to have health-related issues and therefore the need to seek medical attention during our journey. We may also have occasions where we need to cancel our plans due to health issues or the health of those around us.

Now, more than ever, we need to think seriously about purchasing travel insurance. The good news is that comprehensive travel insurance, regardless of your age, is widely available and relatively affordable. With that being said, chances are you could use a little help getting started with the process of finding and purchasing the right plan.

If you’re 65 years of age or older and thinking about purchasing travel insurance, don’t pull the trigger without reviewing the information in today’s article on travel insurance options for seniors.

Travel insurance can protect you from financial loss due to unforeseen events that can cause you to cancel your trip or disrupt your trip once it’s in progress. As we age and our health declines, we may be more likely to experience such an event.

Travel insurance can cover the following situations:

• You, a family member, or travel companion becomes seriously ill and you must cancel your trip
• You slip and fall while traveling abroad, require medical care, and are forced to stay in a foreign city until you can travel again
• You are on safari and break your ankle, requiring emergency evacuation to the nearest hospital

The types of coverage you can expect to find on travel insurance policies include the following:

• Emergency medical coverage
• Emergency evacuation
• Trip cancellation, trip interruption , and trip delay
• Baggage insurance and personal effects coverage
• Travel accident and accidental life insurance

You may also elect to add coverage such as cancel for any reason insurance (CFAR) , a waiver for preexisting conditions, or car rental insurance.

It’s possible to purchase travel insurance at just about any age. If you’re healthy enough to travel, you’ll generally be able to find coverage. You’ll normally be paying more to purchase coverage as you get older, however, and most policies may have preexisting health stipulations.

The Cost of Travel Insurance

As age increases, so does the cost of purchasing travel insurance . The good news, however, is that premiums tend to vary widely between companies who offer policies for older travelers, so it pays to compare.

The easiest way to compare policies is via insurance comparison sites such as SquareMouth , InsureMyTrip , or TravelInsurance.com . Travel comparison sites make it easy to compare travel insurance policy pricing and coverage options for all ages.

We’ve used these sites to find most of the comparison quotes provided in this article.

Preexisting Conditions

As we age, we’re more likely to have preexisting health conditions, which can be excluded from most travel insurance policies. Once again, the good news is that preexisting condition exclusions are generally limited to a specified timeframe previous to the effective date of your policy.

If you have shown symptoms or been treated within a specified time period before your trip, usually 90 to 120 days, your condition may not be covered for certain coverages such as trip interruption, cancellation, or emergency medical. Each company’s requirements may differ.

Also, on a positive note is that many insurers allow you to purchase a preexisting condition waiver when you purchase your policy.

Travel Insurance and Medicare

Health insurance may or may not cover medical costs abroad. And even if there is coverage, evacuation costs may not be included. The same scenario exists with Medicare.

Medicare will not cover medical expenses incurred abroad . There are very limited situations where Medicare may grant coverage, such as if you reside in the U.S. and a foreign hospital (such as a Canadian hospital) is closer to your residence than the U.S. hospital, or you’re traveling through Canada to reach another U.S. state or territory. Also, several terms and conditions apply.

There are Medicare supplement policies you can purchase that can cover you while traveling abroad. You’ll pay a standard $250 deductible, have coverage for 80% of eligible expenses beyond that amount, and have a lifetime cap of $50,000 in coverage.

So even if you have Medicare, a Medicare supplement, or other health insurance policy, there can still be plenty of gaps in coverage when you’re traveling abroad.

For this reason, and the need for additional coverage such as trip cancellation, interruption, delay, baggage coverage, and more, it’s prudent to purchase travel insurance.

Bottom Line: Medicare will generally not cover medical expenses when you’re traveling outside of the U.S. and its territories and Medicare supplement and Advantage policies provide limited coverage. Travel insurance is a wise choice for covering medical expenses and for other travel-related events that could cause you to cancel your trip or disrupt your journey in progress. 

COVID-19 and Travel Insurance

As we advance in age, the chance we will need to cancel a trip due to health-related issues increases. Fortunately, most travel insurance policies cover trip cancellations due to illness. However, travel insurance policies do not cover voluntary cancellations such as canceling your trip due to the fear of getting sick.

Cancel for any reason insurance (CFAR), when added to a travel insurance policy, will allow you to cancel your trip for any reason you deem necessary. It will even cover you if you simply decide not to go.

While CFAR insurance allows you to cancel your trip for any reason, including COVID-19-related issues, the coverage will not reimburse 100% of your costs. The coverage can only be purchased when you purchase your travel insurance or for a short window following the purchase. CFAR insurance can also be expensive.

Our article on COVID-19-related trip cancellations goes into a lot more detail.

Priorities change as we change and as a result, we may have different insurance needs at age 65 than we do at age 80. Here are some examples of travel insurance plans that might be a fit for travelers age 65-69.

World Nomads — Best For Active Seniors

If you’re under age 70, you’ll find comprehensive travel insurance coverage with World Nomads . What sets World Nomads apart from other insurance providers is that they’re experts at insuring active travelers who participate in adventurous activities.

While World Nomads does not offer CFAR insurance, COVID-19 is not excluded as an illness for trip cancellation and emergency medical coverage.

World Nomads only insures those travelers under age 70 and refers older travelers to its partner TripAssure .

For a traveler 68 years of age, traveling to the Netherlands for 8 days, with a total trip cost of $3,000, here are some sample costs.

The main differences in these plans are that the Explorer Plan covers an expanded collection of over 200 covered adventurous activities, has higher limits for trip interruption/cancellation/delay and emergency evacuation, and includes rental car insurance.

Secure your own quote from World Nomads .

Allianz — Best for Annual Multi-Trip Policies

Allianz simplifies purchasing travel insurance with its offerings of travel insurance package policies. You can select from single trip policies with several levels of coverage options or annual multi-trip policies that cover every trip you make during the policy period, even ones you haven’t yet planned.

If you travel frequently, or even a few times each year, purchasing an annual, multi-trip plan could be a cost-effective way to protect all your trips.

To learn more about Allianz and its policy offerings , you’ll want to check out our review for details.

Hot Tip: Be sure to compare the price of an annual multi-trip travel insurance policy to a single-trip plan, even if you are only currently planning 1 trip. You may find a better value in the annual multi-trip policy and not have to purchase additional coverage if you should decide to travel again during the policy period. 

Best for Covering COVID-19 Cancellations

Many policies will cover trip cancellation due to getting the virus, but none will cover cancellation due to the fear of getting the virus. To cover cancellations based on the fear of COVID-19, you’ll need a policy that allows you to add CFAR insurance .

The following are just a sampling of companies that offer this option on their policies.

• John Hancock
• Seven Corners

Please note that not every policy these companies offer allows you to add CFAR coverage.

For more information on travel insurance covering COVID-19 , we’ve put together an informative article.

There are a lot of reasons to embrace the wanderlust and travel in your 70s. By then, many have retired and perhaps have more money to spend on travel. There can also be a sense of urgency to travel while we’re still healthy.

As we’ve mentioned, however, as we age we are more apt to have health issues. Fortunately, this doesn’t mean we’ll be unable to purchase travel insurance. Even into our 70s, we’ll have plenty of travel insurance options, and coverage can still be affordable.

Best for Preexisting Conditions

Since travel insurance is meant to protect you from unforeseen events, having a preexisting health condition may rule out any chance of coverage for that issue. However, several companies allow you to purchase a waiver so that preexisting health conditions can be covered.

Here are just a few companies that offer this waiver:

• Travel Guard
• Travel Insured

Each company has its own requirements for adding a preexisting condition waiver to your policy. You must purchase the policy within a specific time period, such as within 14 to 30 days after making your first trip deposit payment. You may also be required to insure the entire cost of your trip and your health must be medically stable when purchasing the coverage.

As a senior, it becomes more and more likely that we will actually have to use our travel insurance coverage as we age. However, even at age 80 or beyond, you’ll still find travel insurance widely available and relatively affordable. Some companies are willing to insure older travelers but charge higher premiums , so it’s wise to compare the pricing of several providers.

Above you’ll find a sampling of 4 SquareMouth quotes for single-trip travel insurance policies that include CFAR insurance for a traveler 80 years of age. The trip’s total cost was stated at $3,000 and was 8 days in length. Quotes ranged from $382 (Seven Corners) to well over $1,000 to insure the trip (not all quotes are shown). Coverage limits can also vary greatly, so it can be beneficial to compare policy limits.

If you’re looking to purchase travel insurance and you’re 80 years of age or older, it’s imperative to compare policies for the best pricing and coverage.

Hot Tip: Seniors ages 65 to 99 who are not interested in CFAR (cancel for any reason) insurance, may consider an annual multi-trip travel insurance plan. Allianz is a company that charges the same premium, regardless of age, for its annual plans for travelers ages 65 to 99 . 

There is 1 type of travel insurance that will cover you, regardless of age . U.S.-issued credit cards come with various types of travel insurance coverages that apply to all primary cardholders.

Typical travel insurance coverage found on credit cards includes the following:

• Lost, stolen, or damaged luggage insurance
• Car rental insurance
• Roadside assistance
• Travel accident insurance
• Travel assistance hotline

Premium credit cards such as The Platinum Card ® from American Express and Chase Sapphire Reserve ® also come with valuable emergency evacuation coverage. The Amex Platinum card, unlike typical credit cards, allows you to carry a balance for certain charges, but not all. Additionally, the Chase Sapphire Preferred ® card  is known for its comprehensive travel insurance benefits, including primary car rental insurance .

To learn more about which credit cards come with travel coverage, check out our article on the best credit cards for travel insurance benefits.

Bottom Line: The travel insurance benefits that come with U.S.-issued credit cards do not generally have age limits for coverage. However, many credit card travel benefits may be secondary to other insurance you might have. This means that you might first have to file a claim with your own insurance before the credit card insurance is valid. 

As seniors, purchasing travel insurance should be a priority for protecting your investment and preventing losses you might incur due to unexpected medical expenses during your travels.

With wide availability, regardless of age, it’s not only a prudent economic move, but it’s also a move that delivers peace of mind before and during your trip.

Finally, always make sure to compare policies as coverages and prices vary widely between travel insurance providers.

You can learn more about the best travel insurance companies for travelers  and the basics of travel insurance in our informative articles.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

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The Best Senior Travel Insurance for 2024

Trawick International »

Allianz Travel Insurance »

AIG Travel Guard »

Nationwide »

WorldTrips »

GeoBlue »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Seniors and Retirees.

Table of Contents

• Trawick International
• Allianz Travel Insurance
• AIG Travel Guard

Key takeaways

• Senior travelers can benefit from a plan that offers coverage for emergency medical expenses and emergency medical evacuation first and foremost.
• Other benefits to look for include coverage for lost or delayed baggage, trip delay protection, and coverage for trip cancellation and interruption.
• Older travelers may also want to look for travel insurance plans that cover preexisting medical conditions.
• Some plans for seniors let individuals add on cancel for any reason (CFAR) coverage that reimburses up to 80% of prepaid travel expenses when a trip is canceled for any reason at all.

While anyone planning a trip overseas can benefit from having a travel insurance plan in place, older travelers need to prioritize this coverage more than others. The fact is, senior travelers and retirees have unique worries and risks to think about any time they travel far from home. These risks increase their need for travel health insurance and emergency medical coverage, as well as coverage for emergency medical evacuation that applies anywhere in the world.

U.S. News compared more than 20 of the top travel insurance companies to find the top plan options for seniors and retirees. This list does the heavy lifting for you as you search for the best senior travel insurance, so read on to learn about the top picks.

• Trawick International: Best Overall
• Allianz Travel Insurance: Best Cancel for Any Reason
• AIG Travel Guard: Best Annual
• Nationwide: Best for Cruises
• WorldTrips: Best Budget
• GeoBlue: Best Medical

Incredibly high limits for medical expenses and emergency evacuation

Customize plan with optional CFAR coverage

Coverage is for trips up to 30 days if you're ages 80 and older

• Up to $15,000 in trip cancellation insurance
• Up to $22,500 in trip interruption coverage
• Up to $1,000 for trip delays ($200 daily limit for delays of 12-plus hours)
• Up to $1,000 for missed connections
• Up to $150,000 for emergency medical expenses
• Up to $1 million in emergency medical evacuation coverage
• Up to $750 in emergency dental coverage
• Up to $2,000 in coverage for baggage and personal effects
• Up to $400 for baggage delays of 12-plus hours

SEE FULL REVIEW »

High reimbursement for CFAR coverage

Coverage for preexisting conditions is offered

Relatively low limits for baggage delays

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Trip change protector coverage up to $500
• Emergency medical coverage up to $50,000
• Emergency medical transportation coverage up to $500,000
• Baggage loss coverage up to $1,000
• Baggage delay insurance up to $300
• Travel delay coverage up to $800 ($200 daily limit)
• $100 per day in SmartBenefits coverage per person for fixed inconvenience payments
• 24-hour hotline for assistance
• Concierge services
• Preexisting condition coverage (must be added to plan within 14 days of first trip deposit or payment)

Year-round comprehensive travel insurance coverage

Generous limits for medical and emergency medical evacuation

Does not include trip cancellation coverage

• Up to 100% of insured trip cost for trip interruptions (maximum of $2,500 per trip)
• Up to $1,500 for trip delays ($150 per day)
• Up to $500 for missed connections caused by delays of at least three hours
• Up to $2,500 for lost baggage
• Up to $1,000 for baggage delays of 12-plus hours
• Up to $50,000 for travel medical coverage ($500 dental sublimit)
• Up to $500,000 for emergency evacuation and repatriation of remains
• Up to $50,000 for accidental death and dismemberment (AD&D)
• Up to $100,000 for security evacuation coverage

Cruise-specific coverages and benefits

High limits for medical expenses and emergency evacuation

May be expensive compared to other coverage options

• Trip cancellation coverage up to 100% of prepaid trip cost
• Trip interruption coverage up to 150% of prepaid trip cost
• Trip interruption for any reason (IFAR) coverage worth $1,000 if conditions are met
• Missed connection coverage up to $2,500 for delays of three-plus hours
• Trip delay coverage up to $1,000 for delays of six-plus hours
• Itinerary change coverage worth $250 to $1,000 (depending on reason for change)
• Emergency medical coverage up to $150,000 (secondary with $750 dental sublimit)
• Emergency medical evacuation coverage up to $1 million
• Up to $25,000 for AD&D
• Up to $2,500 in coverage for lost or stolen baggage ($1,000 maximum for special items and $500 limit per article)
• Baggage delay coverage up to $1,000 for delays of six-plus hours
• Nonmedical evacuation coverage up to $25,000

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

• Up to $1 million in emergency evacuation coverage
• Medical benefits like hospital room and board, chiropractic care, and more
• Coverage for repatriation of remains
• Up to $25,000 in personal liability coverage
• Up to $10,000 in trip interruption insurance
• Up to $1,000 in coverage for lost checked luggage
• Up to $100 per day in coverage for travel delays of 12-plus hours
• Up to $1,500 in coverage for bedside visits
• Up to $100,000 in coverage for emergency reunions

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

Medical-only coverage

• Preventive and routine care
• Professional services like surgery
• Inpatient medical care
• Ambulatory and therapeutic services
• Rehabilitation and therapy

Frequently Asked Questions

You can purchase some travel insurance plans (but not all) if you're older than 80 years old. However, your premiums may be higher and you'll typically qualify for lower coverage limits overall. Make sure you compare the best travel insurance plans for seniors to find the right fit for your needs.

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries around the world, and she has successfully filed claims during that time. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

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Travel insurance

Best travel insurance for seniors in September 2024

Amy Fontinelle

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 5:55 a.m. UTC Sep. 2, 2024

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Tin Leg and Trawick International offer the best travel insurance for seniors, according to our analysis of plans’ cost and coverage limits.

Best senior travel insurance plans of 2024

• Tin Leg: Gold
• Trawick International: Safe Travels First Class
• Seven Corners: Trip Protection Choice
• Generali Global Assistance: Premium
• Nationwide: Prime

Why trust our travel insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

• 840 coverage details evaluated.
• 84 rates reviewed.
• 5 levels of fact-checking.

Travel insurance quotes comparison

Top-rated travel insurance for seniors.

Best plan for seniors

Average cost for seniors, covers covid, medical & evacuation limits per person, why it made our list.

For the amount of coverage you get, Tin Leg’s Gold plan is competitively priced. It includes $500,000 in emergency medical benefits and another $500,000 in medical evacuation coverage.

Pros and cons

• Excellent $500,000 per person in primary emergency medical coverage.
• Very good emergency medical coverage of $500,000 per person.
• Eligible for pre-existing medical condition exclusion waiver if conditions are met.
• “Cancel for any reason” coverage of 75% available.
• No “interruption for any reason” upgrade available.
• Hurricane and weather coverage kicks in only after a 48-hour delay.
• Lowest baggage and personal item loss coverage of our top-rated senior plans.
• Lowest travel delay coverage of our top-rated senior plans.
• No rental car coverage option.

Trawick International

Trawick International’s Safe Travels First Class policy is a relatively inexpensive option that comes with $1 million in emergency medical evacuation coverage and a high per person limit for baggage and personal items loss.

• Second-cheapest of our best senior plans.
• Best-in-class medical evacuation coverage of $1 million.
• Pre-existing condition coverage available if conditions are met.
• Baggage loss coverage of $2,000 per person is the best among our top senior plans.
• No “interruption for any reason” coverage upgrade available.
• Travel delay benefit takes 12 hours to kick in.
• Lower emergency medical benefit of $150,000 is secondary coverage.

Seven Corners

Seven Corners’ Trip Protection Choice plan has high emergency medical and medical evacuation limits, as well as rare coverage for non-medical evacuation. In addition to “cancel for any reason” coverage, you can also pay extra for “interruption for any reason” coverage.

• Excellent $1 million emergency medical evacuation coverage plus $20,000 for non-medical evacuation.
• Great “interruption for any reason” coverage of 75% available.
• The most expensive of our top-rated senior travel insurance plans.

Generali Global Assistance

Generali Global Assistance’s premium plan offers trip interruption coverage of up to 175% of your trip cost. Most top-rated competitors offer a maximum of 150%.

• Top-notch $1 million per person in medical evacuation coverage.
• Solid baggage loss coverage of $2,000 per person.
• “Cancel for any reason” coverage of 75% available.
• Baggage must be delayed for 12 hours before benefits kick in.
• Missed connection coverage of $1,000 per person only applies to cruises and tours.
• Emergency medical expense benefit is secondary coverage.

Nationwide Prime travel insurance offers an exceptional 200% coverage for trip interruption.

• If you need to cut your trip short for a covered reason, you can be reimbursed up to 200% of your prepaid trip cost.
• High travel delay coverage of $2,000 per person ($250 per day limit).
• “Cancel for any reason” coverage of 75% is available.
• Low missed connection benefit of $500 per person for cruises and tours only.
• No “interruption for any reason” coverage available.

Compare the best travel insurance for seniors

Via Compare Coverage’s website

Methodology

Our insurance experts analyzed cost and coverage data from 21 plans to determine the best senior travel insurance. For this rating, we only scored travel insurance plans that offer the option to buy “cancel for any reason” (CFAR) coverage .

The benefits we scored out of a possible 100 points include:

Cost: 50 points. We scored the average cost for each travel insurance policy for a variety of international trips and traveler profiles.

Medical expenses: 15 points. Travel insurance plans that offer travel medical expense benefits of $500,000 per person were given the highest amount of points.

Medical evacuation: 15 points. Travel insurance plans with emergency medical evacuation benefits of $500,000 or more per person were given the highest number of points.

What is covered by travel insurance for seniors?

The best travel insurance bundles several types of insurance to provide financial protection before and during your trip. 

A comprehensive senior travel insurance plan will include the following coverage types: 

• Trip cancellation insurance . 
• Trip delay insurance.
• Trip interruption insurance. 
• Travel medical insurance. 
• Emergency medical evacuation .
• Baggage loss and delay coverage.

What’s the most important travel insurance coverage for senior travelers?

Health is a top concern for older travelers. Travel insurance for senior citizens should have high coverage limits for trip interruption, travel medical insurance and emergency medical evacuation. 

“Since Medicare doesn’t provide coverage abroad, it’s important for senior travelers to pay close attention to policies’ medical benefits, including emergency medical, medical evacuation and pre-existing conditions,” said James Clark, a spokesperson for the travel-insurance comparison site Squaremouth, the company behind Tin Leg travel insurance.

Older travelers should also pay attention to whether a travel insurance plan’s emergency medical coverage is primary or secondary.

“When traveling outside the U.S., seniors should know that it’s recommended to purchase a travel insurance plan that includes primary emergency medical coverage,” said Berkshire Hathaway Travel Protection vice president, Carol Mueller.

 “Senior travelers on Medicare who purchase a travel insurance plan with secondary medical coverage will need to first try to get Medicare to cover their emergency travel medical expenses, which in many cases is limited to no coverage,” said Mueller. “Avoid the hassle and choose a travel insurance plan with primary medical coverage.”

How to choose the best senior travel insurance

Senior travelers shopping for travel insurance should look for plans with these benefits:

• Emergency medical expense coverage of at least $250,000. This pays for emergency medical expenses you incur during your trip and includes medical coverage for COVID-19. 
• Emergency medical evacuation coverage of at least $500,000. This pays to transport you to the nearest adequate medical facility for you to get the care you require when a physician says your illness or injury is severe enough to warrant it. Emergency medical evacuation coverage may also pay to fly a loved one to be with you and to fly you home for further treatment or recovery. 
• Preexisting condition coverage. Some plans include a preexisting condition waiver as long as you buy travel insurance within a certain number of days of making your first trip deposit, you insure the full value of your trip and you are medically able to travel at the time of departure. Having a waiver will give you coverage for medical conditions documented in your health history in the 60 to 180 days before you buy your plan, with some exclusions.
• Trip interruption coverage of 150%. Trip interruption insurance reimburses you for unused, prepaid, nonrefundable trip expenses if your trip is unexpectedly interrupted while you’re in transit or at your destination. It can also cover travel costs associated with having to change your plans, such as needing to buy a last-minute economy ticket for a one-way flight home. Buying an extra ticket can push your claim over 100% of your original trip expenses, so it’s wise to look for a plan that reimburses up to 150%. 
• “Cancel for any reason” (CFAR) upgrade available. For an additional cost, you can sometimes add “cancel for any reason” coverage to your travel insurance plan. This typically reimburses up to 75% of nonrefundable trip expenses if you decide not to travel for a reason not covered by your policy, as long as you cancel at least two days before you’re scheduled to travel.

How much does senior travel insurance cost?

The average cost of senior travel insurance is $434 per trip , based on our analysis of rates for older travelers. For senior trips with “cancel for any reason” (CFAR) coverage, the average cost of travel insurance increases to $629.

Travel insurance for seniors typically costs around 7% to 9% of your total prepaid, nonrefundable trip expenses. Adding CFAR coverage can add 45% or more to that cost.

How much you pay for travel insurance will depend on the age of you and your fellow travelers, the length of your trip and the total of your nonrefundable trip costs.

Compare senior travel insurance rates

Average senior travel insurance costs are based on rates for international trips for travelers ages 65 and 70, with CFAR coverage and without. Travel insurance plans have different levels of benefits, which can account for price differences.

Travel smart: Find cheap travel insurance that meets your needs.

How to save money on travel insurance for seniors

Travel insurance companies don’t typically offer discounts. But if you can get a senior discount on any of your travel itself, you’ll have a smaller trip cost to insure. This will lower the cost of your senior travel insurance.

Getting quotes from multiple travel insurance providers is also a great way to save money. Every policy offers more coverage in some areas and less in others. Depending on what coverage is most important to you, certain policies will give you more value than others. 

Get the coverage you need: What does travel insurance cover?

Is CFAR worth it for senior travelers?

CFAR coverage adds to the cost of your plan, but older travelers may want to consider a travel insurance policy with both trip cancellation insurance and “cancel for any reason” coverage, said Clark.  

CFAR benefits offer maximum flexibility to cancel your plans due to illness, injury or any other reason and will reimburse a percentage of your nonrefundable trip costs, usually 50% or 75%. The only caveat is that you’ll need to cancel at least two days before you plan to travel.

When shopping for travel insurance, look for CFAR-related fine print. You often must buy CFAR within a certain number of days of making your first trip deposit, such as 14 days. You are also usually required to insure the full value of your nonrefundable trip expenses.

More travel insurance for seniors resources

• What is travel insurance ?
• What does travel insurance cover ?
• Average cost of travel insurance
• Is travel insurance worth it ?
• Best cruise travel insurance  

Best senior travel insurance FAQs

If you rely on Medicare for health insurance and you’re traveling internationally, buying senior travel insurance with excellent emergency medical insurance and emergency medical evacuation benefits is a good idea.

“One of the most important considerations for travelers with existing health issues is to find a plan that offers a preexisting condition exclusion waiver,” said Stan Sandberg, cofounder and CEO of TravelInsurance.com. 

To qualify for the waiver, you’ll usually need to purchase your trip insurance policy within seven to 14 days of making your initial trip payment. Some premium policies may extend this coverage if you buy them before or within 24 hours of making your final trip payment, he said.

Even with a waiver, medical bills related to certain excluded conditions such as dementia or depression may not be covered, so read the policy carefully to see if your preexisting conditions qualify.

More: Is travel insurance worth it?

Tin Leg’s Gold plan and Trawick International’s Safe Travel First Class plan provide the best travel insurance for seniors for the price, according to our analysis. These are the only plans to merit 5 stars in our rating.

Yes, you can get travel insurance over 80, but it will cost you more.

Yes. If you’re shopping for travel insurance over 80, for instance, you’ll pay an average of 18% of your total trip cost. That is considerably higher than the average cost of travel insurance for a 30-year-old, which is only 5%.

Travel insurance for the elderly varies by insurer when it comes to upper age limits . If you are concerned about finding the best travel medical insurance for seniors over 7 0 , start with an online comparison site like Squaremouth where you only have to enter your age and trip details once to see which policies are available to you.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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13 Best Senior Travel Insurance Plans & Options

We take pride in providing authentic travel recommendations based on our own experiences such as unique images and perspectives. We may earn a commission when you purchase a product or book a reservation. Learn more ›

Written by Kyle Kroeger

Are you a senior citizen who loves to travel? What are your best senior travel insurance options? Well, your age should only make your travel even more stress-free. And the following insurance options ensure that.

Travel insurance is essential for all travelers. That goes without saying! However, it is certainly more important for some people than for others. For instance, for the senior generation, travel insurance is a must-have.

Why? They are prone to more health issues than the younger generation, and anything might happen before or during the planned travel. For this reason, having the right travel insurance for seniors is paramount.

Also, hitting 65 doesn’t have to affect your love for travel. Your travels should get even more exciting and stress-free. The only question is, where do you get your senior travel insurance plan? And, what are the best senior travel insurance companies you can rely on? We’ll see that in an instant.

Summary of Top Picks

Best Senior Travel Insurance Options

Now that we know what to look for in travel insurance coverage, which are the best senior travel insurance companies to choose from?

1. InsureMyTrip

Do you wish to travel confidently with zero worries? Who doesn’t? In this case, InsureMyTrip is among your best bets. They have been in the business for over 20 years and have a good reputation.

The site offers a wide range of plans , allowing you to choose what best suits your needs. And if you need help, their customer service is always ready and willing to assist. Their insurance policies will cover the following:

• Eligible medical expenses during the trip
• Trip cancellations due to illnesses
• Accommodation coverage – in case you get quarantined at your travel destination

So, are there any pre-paid or non-refundable travel costs you won’t want to lose? InsureMyTrip offers a solution. Compare hundreds of travel insurance covers from 23 providers, and choose your best fit.

2. VisitorsCoverage

VisitorsCoverage is our go-to option for all things travel medical insurance. They offer the best coverage and rates, as well as 24/7 customer service. Plus, our customers have given them rave reviews! We highly recommend VisitorsCoverage for anyone looking to get travel medical insurance. Whether you’re traveling abroad or within the US, they have an option that’s right for you.

They are a marketplace that offers some of the best options in the entire travel industry with the widest array of plans for medical coverage, trip interruption, and health insurance coverage for travel abroad. Here are some key offerings that differentiate VisitorsCoverage from the rest of the pack:

• Plans from some of the most reputable insurers in the travel industry
• Immediate coverage
• Lowest price guaranteed
• Excellent customer service

You can’t go wrong with VisitorsCoverage and you’ll quickly find an excellent policy for your trip. Read our VisitorsCoverage review if you’d like to learn more about their insurance offerings.

3. TravelInsurance.com

Who doesn’t want some peace of mind during travel? Everyone does! And finding the best senior travel insurance is what every senior traveler needs. TravelInsurance.com is another travel insurance marketplace that you can rely on. Here, you get to compare all the plans you’ve thought of from different providers and settle for the one that suits you best.

The platform makes traveling easy and peaceful. And the process of getting your cover is also as easy. You can easily compare numerous top travel insurance providers, buy the plan online, and travel.

The best thing is that you can choose from the lowest prices. And these prices are guaranteed and regulated by law. Some of the companies included in TravelInsurance.com’s database include:

• Global Trip Protection
• Generali Global Assistance

You can get your senior travel insurance plan in these four easy steps;

• Fill in your details in the quote form
• Receive various quotes from the best travel insurance companies
• Compare these plans, prices, and benefits
• Make your purchase online and get instant cover

The platform guarantees unbiased comparisons, the best prices, and easy-cover purchases. You can get a full review of TravelInsurance.com if you want to learn more.

4. Travelex

With Travelex , you can secure the most important part of your trip! They offer the peace of mind that everyone looks for in a trip. And, with several policy plans, every old or young traveler is sorted.

Also, don’t mistake Travelex for the new firms joining the market. Travelex has been in this industry for over 25 years, doing what they do best – helping travelers dream, travel, and confidently explore the world.

The firm was born in 1996 after Travelex acquired Omaha Companies’ travel insurance distribution services. It’s among the three top travel insurance firms in the US.

The firm’s vision is to be the traveler’s eyes as they explore the world fearlessly. It offers the support you need during any travel expedition. Some of their main benefits include:

• Trip cancellation covers – protection when trips are canceled.
• Trip delays – you get reimbursed for any unexpected expenses due to trip delays.
• Baggage and personal effects – cover for lost, damaged, or stolen items during the trip.
• 24-hour travel assistance – for both medical and concierge services .
• Emergency medical coverage – covers any unexpected sickness or injury.
• Missed connection covers – Travelex covers the resulting expenses if you miss a flight connection.

Other covers include accidental death and disbursement, primary coverage, and pre-existing conditions (when there is a waiver). Like what you are hearing? Read more in our full Travelex insurance review .

5. AIG Travel Guard

Finding good travel insurance for retirees can sometimes be challenging. However, AIG Travel Guard ensures our senior generation can travel without worry. After working hard for so many years, it’s only fair to get a chance to travel, explore, and experience the coolness of life worry-free.

With AIG’s Travel Guard travel insurance , all this is possible. Whether on a solo trip or traveling with your family , AIG doesn’t discriminate. And it offers policy plans for almost every type of travel.

Whether you want a short two days getaway, a two weeks vacation abroad, or even a cruise tour, Travel Guard has your back. All you need to do is choose the best policy plan for you, and you are good to go.

Some of the benefits that come with AIG senior travel insurance covers include:

• Lost or damaged luggage
• Handling flight or trip cancellations
• Medical insurance
• medical evacuation coverage

The best thing is that AIG personnel is ready for you any time of the day, 24 days a week. Also, it doesn’t matter the part of the globe you are taking your tour to. The firm will still be there for you.

6. AXA Travel Insurance

This is another great travel insurance company that you can consider. Even better, senior citizens are not excluded from AXA Travel Insurance covers. Generally, AXA offers three major plans. These include silver, gold, and platinum plans. With these plans, everyone is considered.

Whether you are traveling alone or with a family , your needs are included in these plans. And they had your budget in mind when coming up with the covers.

For instance, all the policy plans offer 100% cost protection against trip cancellation or interruption. As for other benefits, each is determined by the type of cover. These include the following:

• Emergency medical evacuation
• Medical expenses (sickness or accident)
• Other evacuation emergencies
• Baggage loss or damage
• Activities and sports
• Generous missed connection coverage
• Death and disbursement

So, why choose AXA Travel Insurance over other providers?

• Concierge services – 24/7
• The largest international network
• Has been ranked the number one global insurance brand by INTERBRAND for 10 years in a row

In addition, you get some of the best travel tips from their site. It’s an all-around travel insurance and travel assistance firm.

7. Just Travel Cover

With Just Travel Cover , age is not a limit. And pre-existing medical conditions are not a hindrance to getting travel coverage. For this reason, if you are elderly with some pre-existing condition , Just Travel Cover makes your every trip worth it.

Just Travel Cover is not an insurance cover provider itself. However, it gives you the best chance to identify the ideal travel insurance providers. The travel policies on this platform ensure that anyone, whether a teen or senior citizen, can get as carefree travel as possible.

Additionally, it offers covers for any travel. So, if you want a one-week tour in the Caribbean or a cruise around our beautiful planet, Just Travel Cover has a solution.

By partnering with some of the world’s top travel insurance providers, the platform ensures everyone’s travel needs are sorted. You might be 20 or 85, but the travel experience doesn’t change with age.

Wherever your heart wants to go, having a cover from Just Travel Cover ensures it happens. Here, you’ll get travel coverages for:

• Single trips
• Annual multiple trips
• Cruise travel
• Pre-existing medical conditions
• Luggage loss and damage

And you get to compare over 62 cover plans and prices from top-rated travel insurance companies.

See related : Using a Travel Agent vs Booking Online

8. Allianz Travel Insurance

If you want to travel safely , travel insurance is paramount. It helps to guarantee your security and that of your luggage and gives you the calmness to enjoy every day of your trip .

Allianz is one of the world’s top travel insurance providers. It covers both local and international travel expeditions, including cruises. This wide coverage ensures that you can travel to any destination, engage in almost any fun activity, and stay for as long as you want without worry. The insurance plans here will cover issues with:

• Trip cancellation
• Rental cars
• Medical emergencies
• Change fees
• Lost baggage

And for your peace of mind, the company is legit, and it’s underwritten by Jefferson Insurance Company and BCS Insurance Company, which have A+ and A- ratings consecutively. Allianz is also rated A+ by BBB.

Even better, the company’s coverage now includes the Epidemic Coverage Endorsement. This covers some of the COVID-19-related expenses and inconveniences.

And if that’s not enough, Allianz also has a mobile app – Allianz TravelSmart App. The app is designed to make your travel effortless, from planning to maneuvering through your trip. It gives you crucial safety updates and even helps you avoid traffic.

9. World Nomads Travel Insurance

Why travel with so much baggage in your mind about what might or might not go wrong with your trip? Why not let go and enjoy your trip knowing someone has your back?

Since 2002, World Nomads have been protecting, connecting, and inspiring independent travelers. They offer simple and flexible travel insurance and safety advice to help you travel. Because they believe in giving back to the places we travel to, World Nomads also enables you to make a difference with a micro-donation when you buy a policy.

And they’ll help you plan your trip with free downloadable guides, travel tips, responsible travel insights, and recommendations from their global community.

Even better, even when you travel without the cover, you can still buy it midway through your trip. Additionally, you can make any claim online and get it sorted. World Nomads Travel Insurance offers coverage for things like:

• Trip cancellations
• Unexpected medical expenses
• Luggage and gear protection
• Emergency medical transportation

Also, depending on your chosen cover, the company may cover fun activities during your trip. This might include scuba diving , skiing, mountain biking, surfing, and bungee jumping .

Get a full review of World Nomads Travel Insurance to learn how it works.

10. TravelSafe Travel Insurance

Like many other travel insurance companies, TravelSafe is meant to help you have the best travel experience. Remember, the fun starts in your mind. And, if you are bothered during the trip, you’ll probably not enjoy it to the fullest.

This company wouldn’t miss the list when looking for the best travel insurance for seniors. Firstly, it offers various plans catering to all kinds of travelers. And secondly, it is legit, with a BBB rating of A+.

Established in 1971, TravelSafe is among the oldest travel insurance companies in the US. And over the years, it has evaluated and learned the travel market, crafting the best travel insurance for seniors and other travelers.  

So, when we say you are in the right hands with TravelSafe, it’s only the truth. The company offers covers for three types of individuals, including:

• Travelers – allowing you to get a cover in just 5 minutes
• Pros – This is for travel agents who wish to help their customers get more secure travel
• Golfers – a product made specifically for golfers and all their unique travel needs

No, matter the category you fall under, your travel is safe and worry-free with TravelSafe.

11. SquareMouth Travel Insurance

SquareMouth Travel Insurance is another travel insurance broker that helps you compare hundreds of policies and plans from various providers.

With 99 plans from 22 insurance providers, you surely can’t lack one that matches your travel needs. Even better, the site features numerous customer reviews, helping you to learn from previous travelers.

All you need here is to enter your travel details, including your travel destination and dates. After this, the site goes through numerous offerings from top brands to display the best policy covers matching your travel needs.

With SquareMouth Travel Insurance , you can choose from:

• Standard single-trip plans
• Annual or multi-trip covers
• Adventure and sports covers
• Cruise insurance plans

Their comparison engine is fast, allowing you to receive quotes from the best companies and buy a cover in just minutes. Also, the site’s assistance desk is always available 24 hours a day. This means that your emergency will be handled promptly no matter the time of the day.

12. IMG Travel Insurance

If you are a senior traveler over 65 years, you need IMG to have your back. While it appears last on our list, it’s not the least desirable travel insurance provider.

The company has specially tailored two GlobeHopper Senior covers, offering seniors affordable travel medical insurance plans. These two plans help bridge the wide gap in senior travel insurance. The plans include the following options:

• GlobeHopper Senior Single-Trip – for single trips lasting between 5 days and 12 months.
• GlobeHopper Senior Multi-Trip – for frequent senior travelers who don’t want to keep purchasing a new cover whenever they want to travel.

These plans help seniors meet their international travel insurance needs and ease their travel burden. They are made to cater to the following:

• Visitors and immigrants
• Employers and business travel

And lastly, IMG has customer service reps ready for you any time of the day or night.

13. AARDY Travel Insurance

When searching for the best travel insurance plans and rates, AARDY is an excellent place to look. However, you must note that AARDY isn’t an insurance firm but a travel insurance marketplace or broker. And that’s even better.

AARDY offers the best platform to explore the various travel covers and plans in the market. This way, you can choose a plan that meets your travel needs and that is within your budget.

AARDY works almost the same way as Amazon. Instead of browsing hundreds of company websites, AARDY combines all these websites under one platform. And, before this, they will have already done the comparison themselves, displaying only the best covers to you.

So, if you are looking for the best senior travel insurance plans , look no further. As they’ve said, you’ll not get another better deal than the ones on AARDY. Generally, the platform has partnered with numerous travel insurance providers. And by doing so, they ensure that you get the best state-approved rates.

The one thing I love about AARDY is that you also get numerous reviews from previous travelers. This way, you know what to expect, even before seeking their services.  

Like what you are hearing? Read more in our full AARDY travel insurance review .

See Related: RoamRight Insurance Review

What Does Senior Travel Insurance Offer?

Travel, whether business or leisure, is prone to eventualities. And while everyone hopes to have the best trip or travel, things sometimes happen.

Travel insurance is meant to cover any unplanned occurrences when planning a trip. This way, you, your items, and your money are safe. When picking a travel insurance policy, ensure that it covers the following.

1. Trip Cancellations

Sometimes, you cannot go on that trip, even after planning it. Something just came up. This can be due to personal reasons or other unprecedented circumstances such as bad weather.

A travel insurance policy can help you get a refund in case the trip is canceled or there is some trip interruption. This way, you don’t end up losing your money.

2. Baggage Loss or Damage

Your travel luggage is important to you. They contain all your essentials and valuables for the trip. Unfortunately, they are also prone to get lost or damaged, especially during flight or transit.

A good travel insurance policy will cover the loss or damage of your baggage and even replace them if need be. Whether a senior citizen or a young traveler, this will certainly offer some peace of mind.

3. Medical Emergencies

This is one of the most important reasons for a travel insurance policy, especially for senior citizens. No one knows when they might fall sick or get injured while on a trip. But with a good cover, you can be sure of getting the best medical attention, and you won’t have to worry about the bills.

Some travel insurance policies will also cover emergency medical evacuation if you need to get back home urgently due to a health issue.

4. Pre-Existing Conditions

This is a common exclusion in many travel insurance policies. A pre-existing condition is any medical problem you had before buying the policy. It could also be a new diagnosis made before or after booking your trip but before buying the policy.

Some of these conditions include cancer, heart disease, diabetes , asthma, and pregnancy (in some cases). If you have a pre-existing condition, it’s important that you disclose this to your insurer when getting travel health insurance. Some insurers might cover the condition while others won’t.

Some will cover the condition but at an extra cost. It is important to read the fine print of any policy before buying.

5. Travel Advice and Emergency Assistance

Travel advice is another very important benefit of having a travel insurance policy, especially for senior citizens. In case of an emergency, you can contact your insurer, who will then provide the necessary assistance.

This could be in the form of legal advice, medical advice, or even evacuation services. The best travel insurance companies will have a team of experts who are always on standby to offer assistance when needed.

Related Resources

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• Best Travel Insurance for South America
• Why Are Flights So Expensive Right Now?
• Seven Corners Travel Insurance Review

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• Best overall
• Best for expensive trips
• Best for older travelers
• Best for affordability
• Best for annual plans
• Why You Should Trust Us

Best Travel Insurance for Seniors of September 2024: Travel Insurance Coverage & Tips for Seniors

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate travel insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Best Senior Travel Insurance Companies of 2024 Summary

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for age limits: TravelSafe Insurance
• Best for affordability: GeoBlue Travel Insurance
• Best for annual plans: Travel Guard

Top Travel Insurance for Seniors Comparison

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best Senior Travel Insurance Overall

Allianz travel insurance.

Allianz is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies, for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review .

Best Senior Travel Insurance for Expensive Trips

John hancock travel insurance.

John Hancock plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review .

Best Senior Travel Insurance for Age Limits

Travelsafe insurance.

TravelSafe is a great choice for older travelers, even among seniors, insuring travelers up to 100 years old. TravelSafe also offers pre-existing condition waivers for all its tiers when you purchase your policy within 21 days of your initial trip deposit. With a great deal of flexibility, travelers don't have to worry about eligibility when purchasing travel insurance with TravelSafe. TravelSafe even has two tiers of coverage devoted specifically to golfers. 

Read our TravelSafe travel insurance review .

Best Senior Travel Insurance for Affordability

Geoblue travel insurance.

GeoBlue is a travel insurance provider that specializes in travel medical insurance . Because it doesn't offer much trip protection or travel inconvenience coverage, it can charge cheaper premiums than its competitors, earning it a spot among the best cheap travel insurance .

GeoBlue's policies cover travelers who are under 95 years old, offering sizeable coverage for emergency medical treatments (up to $1 million) and medical evacuations (up to $500K). It's worth noting that while coverage for pre-existing conditions are available, it costs extra.

Read our GeoBlue Travel Insurance review .

Best Senior Travel Insurance for Annual Plans

Travel guard.

Travel Guard offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance policy comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a pre-existing medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review .

Understanding Travel Insurance for Seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.
• Pre-existing condition coverage:  Can mean two different things: coverage for trip cancellations as a result of pre-existing conditions or medical expenses as a result of pre-existing conditions. Either way, policy must be purchased within a certain time frame from when you booked your trip, usually two or three weeks.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

When you purchase a travel insurance policy, you'll be able to see a description of benefits, which is a long document that describes the exceptions and limitations to your coverage. You should carefully review this document so you're not blindsided by unexpected claim denials. 

For example, if you're canceling a trip because unexpected work, you may not be eligible for coverage if you haven't worked at your company for long enough. Additionally, you should review your policy to ensure that your pre-existing condition is covered, as companies often have very specific language around what qualifies as a covered pre-existing condition.

Emergency assistance services

Most companies offer a 24/7 concierge service that can help you navigate situations that arise during your trip, even issues beyond the scope of your policy. They can advise you on how to navigate these situations in accordance with your policy and make sure you acquire the necessary documentation when you need to file a claim down the line.

How to Pick Travel Insurance as a Senior Traveler

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the U.S.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Pre-existing conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a pre-existing condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers pre-existing conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover pre-existing conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

Why You Should Trust Us: How We Reviewed Senior Travel Insurance

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers and how much coverage you receive. We also looked at the age limits for a company's policy. 
• Coverage for pre-existing conditions: Pre-existing conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for pre-existing conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates. We also looked at how travel insurance companies price senior travel insurance compared to travel insurance for younger travelers.
• Benefits for seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about Business Insider's travel insurance rating methodology .

Best Senior Travel Insurance FAQ

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for pre-existing conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

When it comes to saving money on senior travel insurance, you should only be covering the services that you need. For example, if your plane ticket and hotel stay are refundable, there's no need to purchase trip cancellation. Seniors can also look into multi-trip insurance, which can save you money if you're planning multiple trips in a year.

All travel insurance companies included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

The best travel insurance for seniors is Allianz due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies, which could make sense for seniors who travel frequently.

Most travel insurance companies will have an age limit, often only insuring people 80 years old and younger. However, many of the insurance companies in our guide have higher limits or no age limit at all.

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The Simple Guide to Buying Travel Insurance When You're Over 65

How can I find affordable travel insurance when I’m over 65?

You might experience sticker shock when buying travel insurance as a senior. That’s because the price of insurance is based on statistical risk, and older travelers, as a group, are at a higher risk of health problems.

The price of travel insurance is also based on trip cost. So if you’re planning an expensive trip, and if you’re buying insurance for a spouse or travel companion as well, you might conclude that travel insurance is just too expensive. Don’t! Here are a few ideas for saving money on travel insurance when you’re 65+.

• Consider an annual travel insurance plan. Here’s a little-known travel secret: When you’re buying annual insurance, age does not affect the cost. It’s the same price whether you’re 25 or 75 years old, and it covers all your trips in a 365-day span! That’s why an AllTrips plan may be the best travel insurance plan for senior travelers who intend to take two or more trips in the next 12 months. There’s just one thing to keep in mind: AllTrips plans’ trip cancellation and trip interruption benefit limits are per insured, per year . So if your limit is $3,000, and you file a trip cancellation claim for $2,500, you’ll only be covered up to $500 for the rest of your plan’s duration. The AllTrips Premier plan offers tiered levels of trip cancellation/interruption, so you can opt for a higher plan maximum.
• If you’re traveling in the U.S., skip emergency medical. Emergency medical benefits are most valuable when you’re overseas, where Medicare doesn’t cover you. So if you’re planning a domestic trip, you can save a lot of money by purchasing OneTrip Cancellation Plus . This plan only includes trip cancellation, trip interruption and travel delay.
• Grandchildren can be covered for free. Traveling overseas with grandkids? You can save a lot of money with OneTrip Prime or OneTrip Premier . Both plans offer substantial benefits and cover children 17 and under for free when they’re traveling with a parent or a grandparent. These two plans also include a pretty amazing perk called SmartBenefits® . With SmartBenefits, you can get paid $100 per insured person, per day for a covered travel or baggage delay. You don’t even need to provide receipts—just proof of the delay.
• Remember: It’s better to have lower-limit travel insurance than none at all. If you’re having a hard time finding an affordable travel insurance plan for 65+ travelers, consider one with lower coverage limits. OneTrip Basic includes all the key benefits—emergency medical, trip cancellation, travel delay and more—and is economically priced.

Discover why every year, over 70 million Americans—including millions of 65+ travelers—trust Allianz Travel Insurance to protect their biggest adventures. Get a quote and buy a plan, so you can travel with confidence.

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Travel Insurance for over 70s

Travel insurance for over 70s with pre-existing medical conditions.

If you have a pre-existing medical condition, our Over 70s Travel Insurance aims to provide cost-effective, high-quality cover.

Finding over 70s Travel Insurance can be difficult and costly. At Just Travel Cover, we believe everyone should be able to enjoy their holiday and find high-quality cover that enables them to travel with peace of mind – no matter their age. Just Travel Cover works with a range of specialist insurers to provide over 70s Travel Insurance with cover for hundreds of pre-existing medical conditions,  including short and long stay Travel Insurance within a single trip policy and annual Travel Insurance policies for seniors over 70.

Medical Travel Insurance for over 70s you can rely on

Just Travel Cover is here to help you find the right seniors Travel Insurance with medical conditions cover and compare policies. We will only show you policies that meet your age over 70, and any pre-existing medical conditions you may have. We compare multiple providers to help find the right Medical Travel Insurance for over 70s policy at the best price. The cost of medical treatment abroad can be extremely high, so to avoid any unexpected expenses, it is essential that you declare all pre-existing conditions when taking out an over 70s Travel Insurance policy.

We will usually show you bronze, silver and gold policies, so you can compare Travel Insurance over 70 and pick the best medical Travel Insurance option for you.

Medical Conditions Travel Insurance: Compare and Choose

Our online quote and medical screening engines enable you to compare medical Travel Insurance for over 70s quickly and easily. We want you to look forward to your holidays without the stress of finding a well-suited policy. If you have a pre-existing medical condition or need medical treatment abroad, Just Travel Cover is here to help provide cover and we will only show you over 70s Travel Insurance options that are suitable for your medical history, duration of trip, destination, and age. The comparison is done for you, so you can have peace of mind knowing you’re Over 70s Travel Insurance is tailored to your needs and offers protection should something go wrong.

Why Just Travel Cover

At Just Travel Cover, we understand that age is just a number and shouldn’t limit your ability to explore the world. Our commitment goes beyond offering affordable over 70 Travel Insurance for pre-existing medical conditions. We are award-winning and work diligently with a vast network of insurers to ensure our clients, including those over 70 with pre-existing medical conditions, find the best medical Travel Insurance for medical conditions tailored to their unique needs. Our transparent comparison process, dedicated to providing a range of Travel Insurance policies, sets us apart. Whether you’re seeking long-stay or short-stay Travel Insurance for over 70s, trust Just Travel Cover for unparalleled service and peace of mind.

Over 70 Travel Advice

Compare over 70 travel insurance, over 70s travel insurance faqs.

Frequently asked questions about Travel Insurance for people over 70 .

What is over 70s Travel Insurance?

Travel Insurance for over 70s is designed to keep you protected while you are on holiday, and leading up to your trip.

Standard Travel Insurance policies may have upper-age limits and not cover certain age groups, especially those over 70 with pre-existing medical conditions .

Just Travel Cover works with a wide range of Travel Insurance providers to provide policies with no upper age limit for those over 70 as we believe age should not be a barrier to travel.

How much does over 70s Travel Insurance cost?

How much you pay for over 70 Travel Insurance is not just based on your age, but also on where you’re going, for how long, whether the trip includes a cruise and your medical history. It also depends what level of cover you want/need – for example if your holiday costs £5,000 you only need £5,000 cancellation cover, but if the holiday costs £30,000 you’re likely going to want to ensure your insurance covers it.

When you get a quote from Just Travel Cover you will see a list of policies, sorted by price, based on your own circumstances, so we’re comparing prices for you to find the best possible deal from our insurers. If you do require a higher cancellation limit for example, you would need to speak to a member of our team directly to arrange. It may be the case that over 70s Travel Insurance is more expensive, but it depends on a case-by-case basis.

If you’re going on a cruise, we offer Cruise Travel Insurance for over 70s. Reach out to one of our experts to discuss your options today.

When should you purchase your over 70s Travel Insurance?

As Martin Lewis recommends, you should buy over 70s Travel Insurance ASAB, as soon as you have booked your trip – that’s because on single trip policies, cancellation cover starts immediately, so if something happens that means you can no longer go on your holiday, you may be able to claim back the money you have paid. On annual policies cancellation cover starts on the day your policy starts, which can be up to 90 days in the future. Terms apply.

Do pre-existing medical conditions affect the cost of my over 70s Travel Insurance?

You should declare all pre-existing medical conditions when arranging Travel Insurance . The policy will then cover the cost of care for any pre-existing medical condition you have had in the past or suffer from now.

Where can I go with over 70s Travel Insurance?

We know retirement often means more time to explore the world, and if you’re over 70 we can help find Travel Insurance that enables you to travel anywhere, as long as the FCDO does not advise against travel. Having the right policy in place will provide peace of mind that you’re protected should something not go to plan. Depending on where you’re travelling, you can get a single-trip policy for holidays:

• up to 180 days if you’re aged between 71-75
• 124 days if aged 76-79.  For more information, visit our Over 75s Travel Insurance page. 

Annual multi-trip Travel Insurance is available if you’re over 70 too, with a maximum trip length of 45 days.

When you’re over 70, especially if you have pre-existing medical conditions , it’s important you have the right cover in place, so always look at what’s covered, as well as the price – this is not the same for all insurers.

When calculating the price of a Travel Insurance policy insurers will take a range of factors into consideration including your age and medical history, as well as where you’re going, how long for and whether you’re going on a cruise.

The price can also be impacted by the amount of cover you want/need, for example, if your holiday costs £30,000 you will need more cover than if it was £3,000.  We’ll compare prices from a range of insurers with bronze, silver and gold options,

Can I get Travel Insurance if I’m over 70 with a heart condition?

Yes, at Just Travel Cover we specialise in seniors Travel Insurance with pre-existing medical conditions and can provide cover for most heart conditions, including if you have had a heart attack. If you’re over 70 and have ever had a heart condition such as angina or an irregular heartbeat it is important you declare these when getting a quotation to ensure you’re properly covered while away.

Can I get Travel Insurance over 70 with diabetes?

Yes, our over 70s Travel Insurance policies can provide cover for type 1 and type 2 diabetes as long as this is declared when getting a quotation, alongside your age, any other medical conditions, destination, and length of trip. We will ask you a few questions regarding insulin and hospital visits before presenting several options to you from multiple insurers so you can compare Travel Insurance for over 70 and diabetes and choose the best policy for you.

Can I get Travel Insurance if I’m over 70 and living with cancer?

Yes, at Just Travel Cover we can help those over 70 and living with various types of cancer find over 70 Travel Insurance whether you’re in remission or not. We are able to provide cover for a wide range of cancers, including breast cancer, prostate cancer and skin cancer. You should make sure the exact type of cancer is declared on your policy, and you answer all questions appropriately – we will then show you a list of providers that can provide Over 70s Travel Insurance with cancer cover. Find out more on our Travel Insurance with pre-existing condition page.

If I’m over 70, can I get Travel Insurance to cover mental health conditions?

Yes, if you’re over 70 and living with a mental health condition such as anxiety and depression, it’s important to be covered for these when you travel. Mental Health Conditions fall under the bracket of pre-existing medical conditions and should be declared when getting a quote. Our over 70s Travel Insurance policies provide up to £15m medical cover and will provide the peace of mind you’ve got the right support if the unexpected happens. When answering our medical questions, you may be asked to call us – this is so we can explain the different terms for psychiatric conditions for each insurer and provide you with some options.

Do Just Travel Cover provide home insurance for over 70s?

While we specialise in Travel Insurance, we partner with Quotezone.co.uk to provide home insurance , including options for those over 70.

I am over 70 and need Ski Insurance for my holiday. Can Just Travel Cover help?

Yes, just add the ‘winter sports extension’ when getting a quote online or tell one of our sales advisors that you need winter sports ski cover when getting an over 70s Travel Insurance policy. Please note that we only offer the winter sports extension to travellers under 75. Quotes are based on your age, medical history, duration of trip and destination. 

If you sit outside this age category, visit our Over 75 Travel Insurance page for more information.

What should travellers over 70 look for in Travel Insurance, according to Martin Lewis?

Travellers over 70 should look for the following in Travel Insurance, based on financial expert Martin Lewis’ advice:

• Medical Cover: High limits for medical emergencies and pre-existing conditions.
• Pre-existing Conditions: Ensure all conditions are declared and covered.
• Cancellation/Curtailment: Cover for trip cancellations due to health issues.
• Age Limits: Policies that cover those over 70 without high premiums.
• Repatriation: Cover for medical repatriation if needed.
• Activities: Ensure coverage for any planned activities, especially if high-risk.
• Emergency Assistance: 24/7 support in emergencies.

At Just Travel Cover, we can provide Travel Insurance for over 70s that fits this criteria.

Over 70s Travel Insurance

• Compare multiple insurers
• Bronze, Silver and Gold are available
• Hundreds of pre-existing medical conditions covered
• Emergency medical expenses up to £15 million per person
• Cancellation cover up to £12,500 per person
• Increased cancellation up to £32,500 available up to 74 and £27,500 between 75-79)  If you are over the age of 75, visit our Over 75s Travel Insurance page for more information.
• Baggage cover up to £3,000 per person

We Compare Prices From These Insurers

Compare Travel Insurance with medical conditions easily with us. We diligently compare various options, helping you find the best Travel Insurance with medical conditions tailored to your needs. Click here to download the Policy Wording and Insurance Product Information document for all insurers. In the event you are unable to find a suitable product from our panel of multiple providers, you can find contact details of some additional Insurers who specialise in travel insurance for people with serious medical conditions here , or call 0800 294 2969 for more information.

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Best Senior Travel Insurance

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

Top 9 Best Senior Travel Insurance Companies of 2024

Here are our picks for the top travel insurance companies for U.S. seniors. All companies we’ve ranked as our top picks offer pre-existing conditions coverage or a waiver.

• Faye: Our top pick for seniors
• Travelex : Best for budget travelers
• Nationwide Travel Insurance : Best for baggage coverage
• Generali Global Assistance : Best for trip interruption coverage
• Seven Corners Travel Insurance : Best for visitors to the USA
• HTH Travel Insurance : Best for group travel
• WorldTrips Travel Insurance: Most affordable comprehensive coverage
• Allianz: Best for concierge services
• International Medical Group : Best for medical coverage

Compare The Best Travel Insurance Companies for Seniors

It’s important to balance coverage with cost when searching for a senior travel insurance policy to ensure you get the best deal possible. See the table below for the average price of a travel insurance plan based on quotes we gathered from our top company picks. We’ve also included our recommended plans for seniors, availability of COVID-19 coverage and Better Business Bureau (BBB) ratings across each provider.

* Average costs are based on quotes our team gathered from each provider using four different traveler profiles, ranging from 70 to 81 years old.

** The BBB scores for the travel insurance companies listed above are accurate as of August 2024.

The Best Senior Travel Insurance in Detail

Why We Picked Faye for Senior Travelers

We chose Faye as our top pick for senior travelers. While it offers only one plan, the company includes $250,000 worth of primary medical coverage on all its policies and has a pre-existing conditions waiver to help seniors cover chronic medical conditions. To qualify for this pre-existing coverage waiver, you must purchase your policy within 14 days of your initial trip deposit and be medically able to travel at the time of plan purchase. Faye’s policies also provide $500,000 in emergency medical evacuation coverage, which could benefit older travelers if they have a complex health condition or are traveling to a remote area.

Pros and Cons

Coverage and cost.

Faye offers the following add-on options:

• CFAR coverage
• Rental car damage or theft
• Adventure and extreme sports protection
• Vacation rental damage protection

We gathered quotes directly from Faye to better understand the cost of a travel insurance policy for seniors. Based on the quotes we gathered, the average cost of senior travel insurance is $337.

Why We Picked Travelex for Senior Travelers

Travelex is our top choice for budget travelers due to its flat-rate coverage, which starts at $60 for U.S. travel. While the provider is one of the more expensive options for senior travelers, it’s worth considering because of its primary medical coverage. If you become hospitalized outside of the U.S. , Medicare won’t pay for most injuries and illnesses. A travel insurance plan that offers secondary coverage may leave you with a major medical bill after a serious accident. Travelex’s Travel Select plan allows seniors to upgrade their primary medical coverage with additional medical and emergency evacuation coverage, providing peace of mind while abroad.

• Trip cancellation: 100% of non-refundable costs
• Trip interruption: 100%–150% of non-refundable costs
• Baggage: $100–$200 for delays and $500–$1,000 for losses
• Medical expenses: $15,000–$50,000
• Medical evacuation: $100,000–$500,000

You can choose from the following add-on coverage with Travelex:

• Cancel for any reason (CFAR) coverage (up to 75% of trip costs)
• Accidental death and dismemberment (AD&D) and medical benefit upgrades
• Car rental collision

We gathered quotes directly from Travelex to learn more about the average cost of a travel insurance policy for seniors through the company. Based on these quotes, Travelex’s average cost is $585.

Nationwide Travel Insurance

Why We Picked Nationwide for Senior Travelers

We named Nationwide as the best for baggage coverage thanks to its generous coverage limits across various plans. We particularly like Nationwide’s Luxury Cruise plan, as it features several inclusions that benefit senior travelers at an affordable price. Trip interruption coverage includes up to 200% of your trip cost, and you can qualify for a pre-existing conditions waiver up to 21 days after your initial deposit. While medical limits are lower than most competitors, Nationwide’s general and cruise-specific coverages present a viable option for older travelers.

• Trip interruption: 125%–200% of non-refundable costs
• Baggage: $100–$600 for delays and $500–$2,000 for losses
• Medical expenses: $75,000–$150,000
• Medical evacuation: $250,000–$1 million

Nationwide offers the following add-ons, but available coverage may vary by plan.

• AD&D coverage (available on all plans)
• Rental car coverage options (Essential and Prime plans)
• CFAR coverage (Prime Plan, Cruise Choice and Luxury plans)

We gathered quotes directly from Nationwide to better gauge what a travel insurance policy costs for seniors. Based on the quotes collected by our research team, a senior travel insurance plan with Nationwide costs $407 on average.

Generali Global Assistance

Why We Picked Generali Global Assistance for Senior Travelers

We named Generali Global Assistance best for trip interruption coverage, as it provides up to 175% reimbursement through its Premium plan when most insurers only offer up to 150%.  This coverage could be ideal for seniors worried about cutting their trip short due to an unforeseen event. We like how Generali’s policies include around-the-clock travel assistance, and its Premium plan offers generous medical coverage of up to $250,000. In addition, Generali’s medical coverage does not have a lower cap for dental coverage, which is a benefit if you experience a dental abscess or another major dental emergency on vacation.

• Trip interruption: 125% – 175% of non-refundable costs
• Baggage: $200–$500 for delays and $1,000–$2,000 for losses
• Medical expenses: $50,000–$250,000

Generali offers fewer add-on options than other insurance providers we reviewed, including:

• Rental car accident insurance (offers up to $25,000 with the Standard and Preferred plans)
• CFAR insurance (available with the Premium plan only)

Note that the Premium plan includes rental car coverage as standard so the add-on is not available to those customers.

We gathered quotes directly from Generali to learn about the cost of a travel insurance policy for seniors. Based on these quotes, seniors can expect to pay $298 for a Generali plan.

Seven Corners Travel Insurance

Why We Picked Seven Corners for Senior Travelers

Seven Corners is our pick for visitors to the U.S., as the provider offers travel medical policies to international travelers planning a trip to the States. As an older traveler, you may focus on comprehensive medical care and evacuation protections when buying travel insurance. Seven Corners offers a broad selection of medical insurance policies, with travelers 65 to 79 years old provided up to $100,000 in medical coverage. Travelers 80 years and older can receive $10,000 in coverage, which is an age many other providers exclude from enrollment entirely. Seven Corners also offers medical evacuation coverage up to $1 million, which can benefit those traveling to a remote area.

• Baggage: $500  for delays and $500–$2,500 for losses
• Medical expenses: $100,000–$500,000

With Seven Corners, you can choose from the following add-ons:

• CFAR insurance
• Event ticket registration fee protection
• Interrupted for any reason (IFAR) coverage
• Rental car collision waiver ($35,000 maximum)
• Sports and golf equipment rental coverage

Our research team collected quotes from Seven Corners using various senior traveler profiles. We found that a senior traveler can expect to pay $388 on average.

HTH Travel Insurance

Why We Picked HTH for Senior Travelers

If you’re a senior traveling with a group, you might consider buying coverage through a travel insurance provider offering benefits when you purchase two or more policies at once. We named HTH Travel Insurance best for group travel because its policies have a 10% discount for groups of travelers over 65 and include medical limits of up to $1 million. Nationwide underwrites policies in most areas, and you may qualify for up to 200% of trip interruption coverage and primary medical benefits.

• Trip interruption: 100% of non-refundable costs (up to $1,000)
• Baggage: $500 for losses and delays
• Medical expenses: $50,000–$1 million
• Medical evacuation: $500,000

You can add the following coverage to your group insurance plan:

• CFAR insurance (must purchase within 10 days of your first trip deposit)
• Rental car damage (not available in Oregon, New York or Texas)

Based on quotes our research team gathered from HTH Worldwide,  senior travelers can expect to pay $437 on average .

WorldTrips Travel Insurance

Why WorldTrips is Great for Senior Travelers

Our team named WorldTrips as the provider with the most affordable comprehensive coverage. We like how it offers three general plans with up to $250,000 in emergency medical coverage. In addition, its policies are competitively priced, with an average cost of $206 per senior traveler. This can make it a more appealing choice for seniors looking for well-rounded coverage on a budget. WorldTrips is also notable for its range of add-on options, being one of the only travel insurance companies we reviewed to offer multiple tiers of CFAR reimbursement options.

• Trip interruption: 125%–150%  of non-refundable costs
• Baggage: $200–$600 for delays and $2,500 for losses

WorldTrips offers the following add-on options, which vary in availability by plan choice:

• CFAR coverage (50% or 75% reimbursement rates available)
• IFAR coverage
• Adventure sports medical coverage waiver
• Medical evacuation (doubles the standard coverage limit)
• Rental car damage and theft

Our team collected quotes for a variety of senior trips directly from WorldTrips to learn more about what seniors pay for travel insurance on average. In our review, we found the average senior traveler will pay a total of $276 for a travel insurance policy from WorldTrips.

Allianz Global Assistance

Our team named Allianz Travel Insurance as the best travel insurance company for concierge services. The Allianz OneTrip Prime and OneTrip Premier plans both include access to 24/7 concierge assistance around the world. We like how this service provides personalized information about your destination as well as individual assistance communicating with emergency and medical professionals during a crisis. In non-emergency situations, Allianz’s concierge service can help you make the most of your time abroad by booking reservations, tee times and other local add-ons.

• Baggage: $200–$600 for delays and $500–$2,000 for losses
• Medical expenses: $10,000–$75,000
• Medical evacuation: $50,000–$1 million

Allianz currently offers the following add-on options, with choices varying by plan:

• Rental car protection
• CFAR upgrade (reimburses up to 80% of trip expenses)

After collecting a range of quotes from Allianz, we concluded the average senior traveler will pay about $551 for insurance. This is higher than the national average our team calculated, especially in light of Allianz’s lower medical coverage limits.

International Medical Group

Why IMG Is Great for Senior Travelers

If you’re looking for more extensive medical coverage, you can find a number of policies available through International Medical Group (IMG). Named best for medical coverage by our team, the company offers inclusive international policies, with up to $8 million in medical coverage on single-trip plans. It also provides GlobeHopper Senior plans explicitly tailored to senior travelers by not enforcing a maximum age restriction. IMG makes it easier for seniors to customize coverage than other companies we’ve researched, allowing you to skip baggage and delay-related coverage if you solely want medical insurance.

• Trip interruption: 125% of non-refundable costs
• Baggage: $150–$500 for delays and $750–$2,500 for losses
• Medical expenses: $100,000–$8 million

Rental car damage and theft coverage, which some companies offer as add-ons, is included with many of IMG’s plans. You can add the following optional coverages:

• Pet kennel (up to $100 per day with a max of $300 per pet)
• Pre-existing condition review

IMG’s medical insurance policies include some exclusions limiting when you can use your coverage. But you can purchase a waiver that extends coverage to medical issues resulting from adventure sports and terrorism.

Based on quotes we gathered from IMG using four different senior traveler profiles, a 70-year-old couple taking a 7-day, $4,000 trip to Mexico will pay around $428 .

How We Ranked the Best Senior Travel Insurance Companies

After reviewing dozens of travel insurance providers, we ranked the best options for senior travelers by cost, coverage and value. The following are the major factors that influenced how we ranked each company:

• Medical expense limits: Companies with higher medical expense limits ranked higher on our list, specifically providers offering medical benefits higher than $250,000.
• Primary medical coverage: Medicare does not cover most medical bills incurred abroad. Companies offering primary medical coverage scored higher than those that only offer secondary coverage.
• Emergency medical evacuation: Not every travel insurance company offers medical evacuation coverage. We ranked companies with at least $100,000 in coverage higher than those with a lower benefit amount or not offering coverage at all.
• Premium costs: Travel insurance is more expensive for seniors because insurance companies consider older adults more likely to run into a medical issue and file an insurance claim. To compare premium costs , we gathered quotes for a U.S. couple taking a trip to the United Kingdom and ranked companies based on average affordability.
• Travel assistance: We ranked companies offering 24/7 travel assistance higher than those with more limited customer service hours.

How Much Does Senior Travel Insurance Cost?

The average cost of travel insurance for seniors is $417. However, seniors can likely expect to pay anywhere from $159 to $745 for a policy. Our team analyzed average travel insurance policy costs for senior travelers by gathering quotes from multiple providers using four different traveler profiles. Based on these quotes, we found the average cost of travel insurance for seniors was about 9% to 18% of their trip’s total value.

See the table below for a breakdown of average policy costs across the traveler profiles we used to gather quotes during our research process.

The table below shows the average cost of senior travel insurance by provider, averaging each of their plan costs for all 4 traveler types highlighted above, from cheapest to most expensive.

Keep in mind your actual travel insurance policy cost as a senior will depend on factors such as your age, total trip cost, level of coverage and more. We recommend gathering quotes from at least three different travel insurance companies before settling on a plan.

How To Pick The Best Senior Travel Insurance Plan

When shopping for senior travel insurance, consider the following tips to pick the right policy for your coverage needs.

Check for Pre-Existing Conditions Waivers

Most travel insurance companies exclude pre-existing conditions from medical coverage. If you’ve had changes in your health before purchasing a policy — such as a new diagnosis or new medication — a company may consider it a pre-existing condition.

Senior travelers with chronic medical conditions or a new diagnosis can see if their travel insurance provider offers a waiver for pre-existing conditions. This waiver can prevent a travel insurance company from denying medical-related reimbursements if you have a pre-existing condition, as it keeps the provider from examining your recent medical records when reviewing a claim.

Angela Borden, a product marketing specialist at Seven Corners, encourages travelers to check on medical coverage if they have pre-existing conditions.

“Contact your insurance provider to be sure you fully understand the pre-existing conditions coverage for the plan you choose,” she said, “being prepared and having the information before you need it in an emergency can make a huge difference.”

Opt for Primary Medical Coverage

If you get your health insurance through Medicare, you may consider travel insurance providers that offer primary (rather than secondary) medical coverage. Medicare does not pay for medical care provided outside the U.S., which can make travel insurance for seniors valuable. Providers like Travelex and Faye are good options for seniors who think they may need international medical care policies with primary coverage.

According to our survey of 1,000 people who have purchased a travel insurance policy in the past, over 60% recommend that a friend buy a comprehensive travel insurance policy that includes medical coverage, cancellations, baggage, etc., over a cheaper policy with less coverage.

Choose a Plan With at Least $100,000 in Medical Coverage

Travel medical insurance can protect you if you need emergency medical care while on a trip. If you’re a senior with a Medicare policy that covers your domestic healthcare needs, your policy likely will not cover medical bills you incur in another country. If you need healthcare services due to a sudden illness or injury, a travel insurance plan with medical coverage can likely protect you financially in an emergency.

We recommend senior travelers obtain at least $100,000 in medical coverage based on our review of travel insurance companies and research into emergency medical expenses. If you experience a serious medical emergency that requires hospitalization, your healthcare bills might add up quickly. Consider your financial situation, the length of your travels and other factors when deciding on the amount of coverage you’re comfortable purchasing.

Get at Least $250,000 in Medical Evacuation and Repatriation Coverage

When traveling to a location without an accessible or strong healthcare infrastructure, the need for medical evacuation increases if you have a severe accident. If you need transport in an ambulance, helicopter or another specialized medical vehicle, medical evacuation coverage can help cover transport-related bills. Repatriation benefits — often included alongside medical evacuation coverage — cover the cost of transporting your remains back to your home country in the event of death abroad.

We recommend getting emergency evacuation coverage of at least $250,000, ideally $500,000. According to Medjet , medical transport costs can range from $30,000 to over $180,000, so you’ll likely want limits that can provide you with peace of mind if you need transport during a medical crisis.

Frequent International Travelers: Consider Annual Travel Insurance

Seniors who plan to travel to multiple destinations over the course of a year might consider an annual travel insurance policy. Annual, multi-destination travel insurance covers multiple trips over a set period — typically 12 months. If you plan on traveling frequently while returning to your home base between trips, this coverage may offer a cost-effective way to protect your travels versus buying multiple single-trip policies for all your adventures. 

Keep in mind that while annual coverage is typically cheaper than buying multiple individual plans, these plans often have lower limits for emergency medical expenses. Consider what’s most important to you in a travel insurance policy before deciding on a single-trip or annual travel insurance plan.

Make Sure You Have 100% Trip Cancellation and Interruption Insurance

Trip cancellation insurance and trip interruption coverage can reimburse prepaid, non-refundable travel expenses if your trip is canceled or interrupted for a reason listed under your policy. Qualifying expenses can include flights, hotel reservations, rental car costs, and prepaid excursions and activities. Ensuring your trip cancellation and interruption coverages provide at least 100% reimbursement can protect your wallet and peace of mind if you experience circumstances beyond your control.

Consider a “Cancel For Any Reason” Coverage Add-On

Cancel for any reason (CFAR) coverage is an add-on worth considering if you foresee canceling your trip for a reason not covered by a standard travel insurance policy. While a typical plan covers cancellations due to a death in the family, hospitalization, military orders or deployment, and more, CFAR coverage allows you to cancel for virtually any reason. If you use your CFAR coverage, you will receive reimbursement up to a set percentage amount of your trip as outlined in your policy.

See the table below for a comparison of CFAR coverage between our top picks for senior travel insurance providers.

According to the participants in our study over the age of 54, 60% purchased CFAR coverage, and 19% purchased Interruption for any reason (IFAR) coverage.

How To Save On Travel Insurance

If you’re concerned about the cost of travel insurance as a senior, there are ways to save money. For example, a travel insurance policy with lower coverage limits may suffice if you’re traveling somewhere low-risk to relax versus a more adventurous location.

Or, if you have a credit card with travel insurance benefits such as trip cancellation or trip interruption coverage, you can choose to purchase a separate plan that only includes travel medical coverage. This could be cheaper than a comprehensive policy. If you do not need medical coverage, you can choose to rely on credit card benefits alone to save even more money. 

Keep in mind that cheaper is not necessarily better. Make sure you’re comfortable with lower coverage limits if you choose a cheaper plan and, assuming your policy has lower limits, can pay out of pocket if needed in a medical emergency or other untimely situation. Considering your unique needs as you travel can help you better choose a plan that’s right for you.

Read more on travel credit cards: AMEX Travel Insurance and Chase Sapphire Preferred travel insurance

What Else Do Seniors Need To Know About Travel Insurance?

The following are some things to consider if you’re a senior considering purchasing traveling insurance. 

Created with Sketch Beta. COVID-19 is usually treated as a typical illness: Under most travel insurance policies, COVID-19 is treated the same as any other illness covered under the policy. If you contract COVID-19 on or before your trip, you may be entitled to a reimbursement. However, fear of a new COVID strain does not qualify you for reimbursement under standard travel insurance policies. As a senior, you may want to protect your trip with CFAR coverage if your destination may be at a higher risk of COVID-related complications. 

Created with Sketch Beta. Pre-existing conditions are often excluded: Senior citizens usually have more health concerns than younger travelers, which is partly why travel insurance costs more as you age. You may be required to provide your travel insurance provider with a list of pre-existing conditions before you are approved for coverage. Compare plan options with your health insurance coverage to find the policy that provides you with the best complementary benefits.

Why Should Seniors Buy Travel Insurance?

As a senior citizen, you may rely on Medicare as your primary form of health insurance coverage. However, Medicare does not offer coverage for most medical expenses that you could incur abroad. Without medical travel insurance, seniors could face thousands of dollars in emergency medical expenses if an accident occurs on vacation. 

Travel insurance also can provide benefits beyond medical protection. Most travel insurance policies will reimburse up to 100% of nonrefundable trip expenses, which helps protect your investments. Benefits for baggage loss, emergency evacuations and flight delays are also included in most plans. If you’re a senior living on a budget income, these protections can provide peace of mind as you travel.

Deciding on a travel insurance plan as a senior is a personal decision. Considering your travel needs can help make the decision easier, and we recommend asking yourself questions such as these before purchasing a plan:

• Am I traveling to a remote area that lacks a robust healthcare system?
• Does my trip involve multiple connecting flights or destinations?
• Am I worried about unexpected events interfering with my plans?
• Are my non-refundable costs more than I can realistically afford to lose?

If you answer yes to any of the above questions, it could be worth gathering quotes from multiple providers and comparing costs. This way, you can find a plan that suits your needs and budget while providing you with peace of mind.

When To Skip Travel Insurance

Travel insurance may not be worth it for some senior travelers. For example, some countries, such as New Zealand , provide covered emergency medical care for accidental injuries or illnesses, so you may not need travel insurance strictly for medical benefits.

Other instances where you might skip travel insurance include if you booked your trip using a credit card that provides travel benefits. Several credit cards offer travel insurance benefits such as trip cancellation and trip interruption, so check with your credit card provider to see if it provides benefits that align with your needs.

Is Senior Travel Insurance Worth It?

When you compare the price of travel insurance to the price of a potential travel emergency, it usually proves worth the cost. Even if you don’t have a pre-existing medical condition, older travelers are more likely to consider travel insurance plans with medical coverage for a sudden injury or emergency evacuation. Medicare does not cover medical expenses outside the U.S. and U.S. territories. Travel insurance also offers valuable cancellation and delay benefits, potentially saving you thousands in nonrefundable trip costs like your flights and accommodations.

Expert Tips and Insights 

Professor in Commercial Recreation and Tourism Pennsylvania State University

Dr. Bing Pan is a professor in commercial recreation and tourism in the Department of Recreation, Park and Tourism Management at Penn State University. He adopts big data analytics to study visitor management and tourism marketing in national parks and destinations. 

Carney Family Endowed Professor in Hospitality and Tourism Management University of Massachusetts Amherst

Muzaffer (Muzzo) Uysal is a Carney Family Endowed Professor of the Department of Hospitality and Tourism Management – Isenberg School of Management at the University of Massachusetts, Amherst. His current research interests center on tourism demand and supply interaction, tourism development,  and quality-of-life research in tourism and hospitality.

Professor in the Collins College of Hospitality Management California State Polytechnic University Pomona

Linchi Kwok, Ph.D., publishes viewpoints and refereed (peer-reviewed) articles in hospitality management and service marketing. His research work won several best paper awards at academic conferences. Linchi is now a professor at the Collins College of Hospitality Management at Cal Poly Pomona and a visiting professor at Sun Yat-Sen University. Before moving to Southern California, Linchi worked at Syracuse University, Rochester Institute of Technology, Texas Tech University and Marriott.

Associate Professor Emeritus Kansas State University

Gayle Appel Doll, M.S., Ph.D., is an associate professor emeritus and adjunct associate dean for Academic and Faculty Affairs at Kansas State University’s Center on Aging where she coordinates and develops research, educational and training programs and outreach activities on aging. She received her Master’s in Kinesiology and her Doctorate in Life Span Human Development, both from Kansas State University. Dr. Doll teaches gerontology courses at Kansas State University, earning the Commerce Bank Award for Outstanding Undergraduate Teaching in 2005.

Frequently Asked Questions About Senior Travel Insurance

Can seniors over 70 get travel insurance.

Yes, plenty of travel insurance providers offer insurance plans for senior citizens. Some companies that provide trip cancellation and medical evacuation coverage for men and women over 70 include AXA, Berkshire Hathaway and Nationwide. 

What is the best travel insurance for senior citizens?

The best option to buy travel insurance as a senior citizen will vary depending on your unique needs. For example, Generali Global Assistance might be the right plan provider for you if you’re looking for an insurance provider that offers low-priced policies. On the other hand, if you have multiple health conditions and need high maximum limits on medical evacuation coverage, consider companies like Berkshire Hathaway and Nationwide. 

Do I need travel insurance if I have Medicare?

Yes, buying a travel insurance policy event is still a good idea if you have Medicare. Though Medicare might provide you with limited emergency care coverage outside the United States, it will not cover most medical evacuations. It also does not offer any reimbursement for trip costs and expenses not related to medical care. 

Can you get travel insurance with a preexisting condition?

Yes, it’s possible to buy travel insurance with a preexisting condition. However, your travel insurance may not cover injuries, symptoms, or illnesses related to conditions present before the start date of your policy.

Methodology: How We Rate Travel Insurance Companies

Our team surveyed dozens of travel insurance providers and created a scoring system to judge each company based on coverage, quality and service. We also collected sample quotes from each company, both over the phone and on the Internet, to simulate an authentic customer experience. Here are the factors we take into consideration when rating providers:

• A 70-year-old couple taking a $4,000, 7-day trip to Mexico
• A 65-year-old taking a $1,200, 5-day cruise in the Bahamas
• A 77 and 81-year-old couple taking a $5,000, 8-day trip to the Dominican Republic
• An 80-year-old taking a $3,000, 6-day cruise in Greece
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

AM Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

Long stay travel insurance for over 70s: The biggest myth in the industry?

While the UK travel insurance market continues to develop, numerous myths might stop you from travelling. One such myth surrounds long stay travel insurance for over 70s, with many thinking this is impossible to secure. Fortunately, this is not the case!

• While historically challenging to find affordable long stay travel insurance for those aged over 70 - the market has changed.
• Many insurance companies include long stay travel cover as part of single trip and multi-trip policies.
• There is a growing trend for standalone long stay travel insurance cover for those into their 70s, 80s and 90s.
• As competition continues to grow we have seen a significant tightening of premiums, benefiting consumers over 70 years of age.

Long stay travel insurance for over 70s: FAQs

Is it possible to buy long stay travel insurance if i am over 70 years of age.

Yes. As you can see from the above list, many insurance companies recognise the growing number of people over 70 years of age looking towards extended travel.

Are there age restrictions on long stay travel insurance?

While the conditions will vary from company to company, you may find there are age and/or trip duration restrictions on some policies .

Do these policies cover pre-existing medical conditions?

The vast majority of long stay insurance policies will cover pre-existing medical conditions where the insurer has been informed. However, it is important to clarify the situation prior to paying for travel cover.

What if my trip is extended over the maximum insurance term?

If you have travel insurance for 90 days , or another specified period, and your trip ends up being longer, you would not be covered unless you negotiated an extension or new policy.

When looking for travel insurance for over 70s , there appear to be several restrictions at first glance. You will notice that some of the leading travel insurance companies reduce the maximum cover for single travel and annual policies for older clients. So, where do you start if you are over 70 and looking to take an extended break? 

Thankfully, there are a growing number of insurance companies offering extended travel cover for over 70s . Let’s look at what’s available and from what providers.

While there are no age restrictions with Free Spirit, there are limitations on extended travel. On the surface, it would appear that Free Spirit does not offer extended travel insurance for those over 76. 

However, if the duration of your trip extends beyond the time or age limit restrictions, you can contact the company directly. They will be able to quote you for single trip cover for an extended duration, moulded around your particular requirements.

Whether you're looking for single-trip, multi-trip, or specialist cover, or need assurance about pre-existing medical conditions, our panel of travel insurance providers has you covered. Click on your chosen provider below to get started.

• Some restrictions based on age

While long stay travel insurance for over 70s can be challenging to find with some insurance companies, this is not the case with Globelink . This is available through the company's comprehensive annual insurance policy, offering:

• Trip durations up to 15 months, extended to 18 months with prior approval
• Long stay insurance is available up to 89 years of age

If you have any questions or queries, you can contact the company directly for more information .

Avanti offers a useful standalone long stay travel insurance policy if you're looking at extended trips. Further information is available on the website. However, the maximum length of cover reduces from 550 days if you're under 65 to 123 days if you're between 71 and 75. Consequently, it is sensible to contact Avanti directly to ensure you get the best deal for your travel plans.

Staysure offers a standalone long stay travel insurance package allowing over 70s to travel for extended periods. If you're between 71 and 75 years old, you can:

• Travel to European destinations for up to 366 days
• Travel to Bermuda, Canada, China, Hong Kong, Mexico, Singapore, Thailand, islands of the Caribbean and the USA for up to 123 days
• Travel elsewhere for up to 184 days

Over 75s can travel anywhere for up to 104 days with a standard single trip policy.

Whether travelling in the UK or overseas, a Saga single trip insurance policy covers you for up to 120 days. The Saga annual travel insurance policy traditionally covers you for trips up to a maximum of 45 days. However, there is the option to extend this to 60 days or 90 days for an additional payment.

Allianz Travel Insurance

Allianz offers both single trip insurance, up to 180 days cover, and annual travel insurance, limited to 31 days cover per excursion. However, it may be possible to request an insurance quote moulded around your requirements.

AllClear Travel Insurance

AllClear Travel Insurance offers both single trip insurance for up to 94 days at a time, and annual travel insurance, limited to 45 days per trip as standard, but with the option to extend to 55 days. AllClear Travel Insurance also offers flexible long-stay travel insurance policies that you can tailor to your needs depending on destination and planned trip duration.

Medical Travel Compared

As Medical Travel Compared allows you to compare travel insurance policies from various providers, we cannot provide a definitive outline of cover parameters. However, such is the variety of policies available that you’re sure to be able to find a long-stay travel insurance policy for your needs, along with any other type of travel cover you may require.

Insurewithease.com

While not one of the mainstream insurers, Insurewithease.com offers an excellent package for those over 75 looking at long stay travel. The policy covers single trips of up to 3 months in length without any age limit.

RAC travel insurance is very competitive for over 70s looking at extended trips. There is no upper age limit on the single trip policy, which covers up to 94 days for any one trip. It is a little different for the annual multi-trip cover, with two of the three options offering up 62 days' cover per trip. However, the RAC Black Travel Insurance package covers a maximum trip of 92 days. The upper age limit for the annual multi-trip cover is 80 years of age at the start of the policy.

Post Office

Post Office travel insurance caters for over 70s, with some restrictions. When looking at economy, standard and premium single trip policies, they cover maximum trip durations for different age groups:

• Up to 70 years of age, one trip of 365 days
• 71 to 75, maximum trip duration of 90 days
• 76 to 85, maximum trip duration of 31 days

The maximum trip duration for annual multi-trip policies is up to 60 days, but there may be an additional premium.

esure offers two packages: 

• Single trip policies for those aged up to 84 with a maximum trip limit of 90 days. 
• Cover for up to 45 days per trip for those aged up to 74 with a multi-trip policy. 

Sainsbury's

Many people prefer to deal with recognised brands, which prompted the likes of Sainsbury's to enter the travel insurance market. The single trip travel insurance policy has no upper age limit with a maximum trip duration of 94 days. The platinum annual multi-trip policy offers cover for a maximum of 92 days per trip. However, there is an upper age limit of 80 for this policy.

Keen-eyed readers will also note that Sainsbury's offers an extended stay travel insurance package. Unfortunately, while providing cover for up to 548 days, this policy has an upper age limit of 65.

Busting the myths of long stay travel insurance for over 70s

Thankfully, competition in the UK travel insurance industry has prompted the emergence of numerous companies offering long stay travel insurance for over 70s . While many people focus on overseas travel, most of these policies also cover UK trips. The only condition with UK trips is a minimum of two consecutive nights in recognised accommodation facilities.

It is essential to look at the detail for each insurance provider as some offer long stay travel cover as part of a:

• Single trip policy
• Annual multi-trip policy
• Standalone long stay insurance package

Some travel insurance companies also offer an ad hoc service where they can provide a specific quote around the duration and destination of your intended trip. However way you look at it, there is significant competition and availability for those over 70 looking at extended travel insurance.